Cooper County, MO Mortgage Lenders & HMDA Data, 2022

In 2022, lenders reported 697 mortgage applications in Cooper County, MO totaling $120.1 million, down 26% from 2021. The average application was for $172,000, and applicants reported an average income of $83,000. 54% of applications resulted in an originated loan and 12% were denied. The most active lender was The Central Trust Bank, with 85 applications, followed by Alliant Bank and Das Acquisition Company, LLC.

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Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 697
Total Mortgage Loan Application Amount $120,055,000
Average Mortgage Loan Application Amount $172,000
Highest Mortgage Loan Application Amount $865,000
Average Applicant Income $83,000
Highest Applicant Income $494,000

Mortgage Company List for Lending in Cooper County, MO for 2022

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
The Central Trust Bank
238 MADISON ST.
JEFFERSON CITY, MO 65101
* $ 20,248,406,000 85 $ 9,455,000
Alliant Bank
201 S BALTIMORE ST
KIRKSVILLE, MO 63501
* $ 200,773,000 42 $ 7,970,000
Das Acquisition Company, LLC
12140 WOODCREST EXECUTIVE DRIVE, STE 150
SAINT LOUIS, MO 63141
* $ -1,000 42 $ 6,870,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ -1,000 41 $ 7,345,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 36 $ 9,070,000
Btc Bank
1201-2 US-65 BUSINESS
BETHANY, MO 64424
* $ 907,625,000 33 $ 3,785,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 26 $ 4,620,000
First State Community Bank
201 E COLUMBIA
FARMINGTON, MO 63640
* $ 3,828,717,000 19 $ 3,215,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 564,154,604,000 17 $ 1,835,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,779,504,000,000 15 $ 2,845,000
Commercial Trust Company
119 NORTH MAIN STREET
FAYETTE, MO 65248
* $ 171,387,000 14 $ 2,480,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 13 $ 3,475,000
Multipli Federal Credit Union
3124 W. EDGEWOOD DR.
JEFFERSON CITY, MO 65109
* $ 392,061,000 13 $ 2,435,000
Midwest Mortgage Associates Corp
5333 NORTH UNION BLVD - SUITE 100
COLORADO SPRINGS, CO 80918
* $ -1,000 12 $ 2,040,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 12 $ 1,750,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 11 $ 2,255,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 10 $ 2,290,000
Community Banc Mortgage Corp
301 N MAIN
CHATHAM, IL 62629
* $ -1,000 9 $ 2,025,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 8 $ 1,390,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 8 $ 2,030,000
UMB Bank NA
1010 GRAND BLVD
KANSAS CITY, MO 64106
* $ 42,392,285,000 8 $ 780,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 8 $ 1,240,000
Hawthorn Bank
132 E. HIGH STREET
JEFFERSON CITY, MO 65101
* $ 1,823,981,000 7 $ 2,045,000
Commerce Bank
922 WALNUT, TB 12-1
KANSAS CITY, MO 64106
* $ 36,515,611,000 7 $ 1,445,000
Simmons Bank
501 MAIN
PINE BLUFF, AR 71601
* $ 24,685,744,000 7 $ 495,000
Connections Bank
2817 N BALTIMORE ST
KIRKSVILLE, MO 63501
* $ 99,364,000 6 $ 560,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 6 $ 2,850,000
The Bank of Missouri
916 N. KINGSHIGHWAY
PERRYVILLE, MO 63775
* $ 2,818,411,000 5 $ 1,025,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 5 $ 885,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 555,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 5 $ 835,000
West Community Credit Union
4161 STATE HWY K
O'FALLON, MO 63368
* $ 364,558,000 5 $ 1,235,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,519,525,000,000 5 $ 865,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 5 $ 1,255,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ -1,000 5 $ 1,465,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 5 $ 405,000
Missouri Credit Union
111 EAST BROADWAY
COLUMBIA, MO 65203
* $ 526,231,000 5 $ 465,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 4 $ 1,110,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,342,526,000 4 $ 390,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 4 $ 1,210,000
First Midwest Bank of the Ozarks
P.O. BOX 160, 704-706 NORTH WESTWOOD BLVD
POPLAR BLUFF, MO 63901
* $ 637,147,000 3 $ 445,000
F & C Bank
P.O. BOX 157
HOLDEN, MO 64040
* $ 292,718,000 3 $ 165,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 3 $ 455,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 3 $ 425,000
Mortgage Investment Services Corporation
22316 MIDLAND DRIVE
SHAWNEE, KS 66226
* $ -1,000 3 $ 445,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 3 $ 365,000
On Q Financial, LLC
4800 SCOTTSDALE RD SUITE 5500
SCOTTSDALE, AZ 85260
* $ -1,000 3 $ 445,000
Landmark National Bank
701 POYNTZ AVE
MANHATTAN, KS 66502
* $ 1,325,979,000 3 $ 385,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 475,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 3 $ 595,000
Flagstar Bank NA

TROY, MI 49098
* $ 16,855,693,000 2 $ 440,000
First State Bank
413 EAST ST
LYNNVILLE, IA 50153
* $ 291,278,000 2 $ 620,000
The Home Loan Expert LLC
1600 S BRENTWOOD
ST LOUIS, MO 63144
* $ -1,000 2 $ 100,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 2 $ 210,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 2 $ 220,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 2 $ 240,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 2 $ 380,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 2 $ 160,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ 1,230,840,000 2 $ 970,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 2 $ 220,000
The Callaway Bank
PO BOX 10
FULTON, MO 65251
* $ 477,405,000 2 $ 360,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 528,514,000,000 2 $ 280,000
Exchange Bank of Missouri
P.O. BOX 69, 101 SOUTH CHURCH STREET
FAYETTE, MO 65248
* $ 308,493,000 2 $ 340,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 2 $ 270,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 2 $ 460,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ -1,000 2 $ 580,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 195,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 1 $ 95,000
Guild Mortgage Company
5898 COPLEY DRIVE
SAN DIEGO, CA 92111
* $ -1,000 1 $ 105,000
North American Savings Bank
12498 S 71 HIGHWAY
GRANDVIEW, MO 64030
* $ 2,177,145,000 1 $ 195,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 245,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 796,563,000 1 $ 205,000
R-G Fderal Credit Union
421 REMINGTON PLAZA CT
RAYMORE, MO 64083
* $ 113,512,000 1 $ 55,000
First Mortgage Solutions, LLC
9237 WARD PARKWAY, SUITE 300
KANSAS CITY, MO 64114
* $ -1,000 1 $ 485,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 551,902,526,000 1 $ 125,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 456,669,000 1 $ 125,000
Equity Bank
7701 E KELLOGG STE 100
WICHITA, KS 67207
* $ 5,141,072,000 1 $ 25,000
Wood & Huston Bank
27 E. NORTH STREET
MARSHALL, MO 65340
* $ 1,087,253,000 1 $ 205,000
Victorian Finance, LLC
2570 BOYCE PLAZA ROAD
PITTSBURGH, PA 15241
* $ -1,000 1 $ 45,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,306,982,000,000 1 $ 385,000
Veridian Credit Union
1827 ANSBOROUGH AVE
WATERLOO, IA 50701
* $ 5,860,350,000 1 $ 125,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ 32,520,025,000 1 $ 165,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 225,000
First National Bank of Waterloo
228 S. MAIN STREET, P.O. BOX 507
WATERLOO, IL 62298
* $ 820,391,000 1 $ 335,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 1 $ 85,000
Community Mortgage, LLC
19045 E. VALLEY VIEW PKWY., STE. F
INDEPENDENCE, MO 64055
* $ -1,000 1 $ 165,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 162,193,000,000 1 $ 55,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 1 $ 315,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 245,000
First Southern Bank
300 TOWER SQUARE PLAZA
MARION, IL 62959
* $ 795,509,000 1 $ 65,000
Citizens Equity First Credit U
5401 W DIRKSEN PKWY
PEORIA, IL 61607
* $ 7,713,957,000 1 $ 225,000
First Mid Bank and Trust, NA
1515 CHARLESTON AVE, PO BOX 499
MATTOON, IL 61938
* $ 5,951,048,000 1 $ 235,000
Bayfirst Financial
9190 SEMINOLE BLVD
SAINT PETERSBURG, FL 33701
* $ 917,272,000 1 $ 205,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ -1,000 1 $ 245,000
Gateway First Bank
244 SOUTH GATEWAY PLACE
JENKS, OK 74037
* $ 1,879,005,000 1 $ 135,000
Ixonia Bank
W1046 MARIETTA AVE
IXONIA, WI 53036
* $ 589,632,000 1 $ 155,000
Regional Missouri Bank
1201 S MISSOURI AVE
MARCELINE, MO 64658
* $ 497,079,000 1 $ 25,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,348,940,000 1 $ 65,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 153,432,983,000 1 $ 255,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 105,000
Central Missouri Community Credit Union
620 N MAGUIRE
WARRENSBURG, MO 64093
* $ 133,737,000 1 $ 245,000

The tables below break down 2022 mortgage applications in Cooper County, MO by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Cooper County, MO in 2022

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 401 $71,835,000 $179,000 $825,000 $80,000 $451,000
Cash-out Refinancing 137 $27,585,000 $201,000 $755,000 $81,000 $259,000
Refinancing 89 $16,865,000 $189,000 $865,000 $100,000 $494,000
Other Purpose 40 $2,210,000 $55,000 $235,000 $83,000 $190,000
Home Improvement 29 $1,485,000 $51,000 $165,000 $74,000 $357,000
Not Applicable 1 $75,000 $75,000 $75,000 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 470 $81,680,000 $173,000 $865,000 $84,000 $494,000
Not applicable 109 $18,875,000 $173,000 $755,000 $47,000 $54,000
Not Provided 70 $10,350,000 $147,000 $505,000 $76,000 $322,000
Black or African American 29 $5,355,000 $184,000 $555,000 $84,000 $188,000
Hispanic 12 $2,730,000 $227,000 $675,000 $107,000 $259,000
American Indian or Alaskan Native 5 $755,000 $151,000 $255,000 $46,000 $91,000
Asian 1 $95,000 $95,000 $95,000 $75,000 $75,000
Native Hawaiian or Other Pacific Islander 1 $215,000 $215,000 $215,000 $20,000 $20,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 438 $69,340,000 $158,000 $865,000 $89,000 $494,000
FHA-insured (Federal Housing Administration) 107 $17,205,000 $160,000 $315,000 $65,000 $338,000
VA-guaranteed (Veterans Administration) 103 $26,095,000 $253,000 $755,000 $81,000 $259,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 49 $7,415,000 $151,000 $285,000 $55,000 $98,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 378 $65,340,000 $172,000 $865,000 $87,000 $451,000
Application Withdrawn By Applicant 100 $17,930,000 $179,000 $815,000 $88,000 $494,000
Loan Purchased By The Institution 94 $18,400,000 $195,000 $755,000 $71,000 $204,000
Application Denied By Financial Institution 81 $10,445,000 $128,000 $855,000 $61,000 $180,000
File Closed For Incompleteness 24 $5,120,000 $213,000 $525,000 $82,000 $188,000
Application Approved But Not Accepted 17 $2,395,000 $140,000 $405,000 $71,000 $174,000
Preapproval Approved but not Accepted 3 $425,000 $141,000 $145,000 $72,000 $90,000
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 543 $99,445,000 $183,000 $865,000 $84,000 $494,000
Debt-To-Income Ratio 97 $13,725,000 $141,000 $855,000 $93,000 $357,000
Credit History 38 $3,930,000 $103,000 $265,000 $60,000 $133,000
Collateral 10 $1,520,000 $152,000 $505,000 $61,000 $180,000
Credit Application Incomplete 2 $420,000 $210,000 $225,000 $100,000 $100,000
Other 2 $270,000 $135,000 $145,000 $43,000 $49,000
Employment History 2 $250,000 $125,000 $135,000 $58,000 $81,000
Insufficient Cash (Downpayment, Closing Cost) 1 $235,000 $235,000 $235,000 $42,000 $42,000
Mortgage Insurance Denied 1 $195,000 $195,000 $195,000 $49,000 $49,000
Unverifiable Information 1 $65,000 $65,000 $65,000 $60,000 $60,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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